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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,678 | $81,233-41.3% | $155,567-69.4% | $80,874-41.0% |
| Participation rate | 39.3% | 66.2%-26.9pp | 78.2%-38.9pp | 67.6%-28.3pp |
| Annual return | 13.43% | 33.33%-19.9pp | 64.74%-51.3pp | 35.62%-22.2pp |
| Employer contribution / active EE | $782 | $3,101-74.8% | $4,674-83.3% | $2,756-71.6% |
| Participant deferral / active EE | $941 | $3,452-72.7% | $5,628-83.3% | $4,297-78.1% |
| Admin fee / account holder | $4,737 | $7,998-40.8% | $15,916-70.2% | $6,935-31.7% |